According to Internet security experts, there are high possibilities that cyber criminals would mix Trojan viruses with money mules (a sophisticated combination) in future to hack bank accounts.

Yuval Ben-Itzhak, Chief Technology Officer at Finjan (an antivirus company), said - the above mentioned technique would be possible because cyber criminals always attempted to grab money from bank accounts through creative means, as reported by SENTOR on October 5, 2009.

Ben-Itzhak said that a competition always existed between Internet crooks and banks in which both parties tried to enhance their mechanisms for accomplishing their respective objectives that might involve financial institutions looking for avoiding a security breach.

He further said that it was certain cyber criminals would improve their methods from what experts had observed in recent years, adding that he himself saw no reason why they would stop.

Ben-Itzhak's remarks follow Garlik's 3rd annual British Cyber-crime report, which disclosed that online crooks were responsible for over 3.6 Million illegal operations on the Net in 2008 as they adjusted their schemes according to the economic and social changes in the Great Britain.

There was a constant challenge in front of banks that they should check the veracity of each transaction, said Ben-Itzhak. Thus, they had to ensure that all security arrangements were in place at institutions so that the crooks could be prevented from breaking in.

Moreover, the expert's advice comes after reports that Internet crooks have been employing fresh methods for hacking into Web users' financial accounts, including debit and credit card accounts. The Malicious Code Research Center of Finjan states that criminals design these methods in such a way that detection might be minimal.

Cyber criminals use modern malware that gives a completely new form to hacking. Recently, Finjan found a novel strain of malicious program, which concealed clues of diminishing bank balance of an accountholder via the overwriting of his bank statement.

The technique gave enough time to the criminals to commit fraud prior to victim realizing his situation. Nevertheless, the hack would have failed if the victim had examined his bank balance from an uninfected computer, the company stated.